A Structured, Multi-Phase Process Built for Better Execution
The FB Credit Services judgment waterfall process is a proven, disciplined workflow that transforms dormant or unverified data into accurate, actionable opportunities for execution. Designed specifically for high-volume judgment portfolios, our methodology improves precision, reduces noise, and prepares garnishment-ready results that support law firms, creditors, and debt buyers.
We manage the entire process so your team can take confident action without the burden of manual research or unreliable data.
Phase 1: Unverified Waterfall
The first pass through our waterfall includes a series of unverified data sources, each designed to broaden the pool of potential employer, bank, and asset leads.
During this stage, our goal is to gather every clue the market can provide. We aggregate results from multiple vendors and platforms to build a diverse set of potential leads.
Unverified results alone are not reliable enough for execution, but they serve as the raw material for deeper analysis.
Phase 2: Quality Filtering and Analysis
Once unverified results are gathered, our team runs them through a structured filtering process. We analyze the credibility, consistency, and data patterns associated with each potential lead.
This phase includes:
The objective is to reduce noise and focus on leads most likely to be productive in the verification stage.
Phase 3: Verified Waterfall
Precision Through Multi-Vendor Confirmation
This is where the process becomes highly refined. Each potential lead is examined through a series of verified data sources to confirm accuracy.
We examine:
Only information that survives this phase moves forward. This ensures that what your team receives is not just possible data, but verified, actionable opportunity.
Phase 4: Jurisdictional and Eligibility Review
Even verified data must meet legal and jurisdictional requirements. Before we provide any opportunity to a client, our team reviews:
This step ensures that your team receives opportunities that are ready for execution, not just leads that require additional research.
Phase 5: Final Preparation and Delivery
Once all verification and quality checks are complete, we prepare the final garnishment-ready package.
This may include:
We deliver this information directly into your existing workflow or print queue, helping your team issue garnishments quickly and efficiently.
Comparison: Waterfall vs. Per-Hit Vendors
Per-hit vendors deliver raw data without context or confirmation. This creates additional research work, inconsistent results, and often low-value information.
Our waterfall process provides:
Instead of overwhelming your team with massive lists of unverified leads, we deliver a streamlined set of high-confidence opportunities.
Is your waterfall process automated?
We use a combination of automated tools and manual review to ensure both speed and accuracy. Automation alone cannot deliver verified, actionable results.
How many phases are in your waterfall?
While our process evolves with new data sources, it typically includes nine to ten structured phases.
What industries benefit most from the waterfall?
Law firms, creditors, debt buyers, and subrogation departments benefit significantly from structured judgment execution support.
Do you guarantee recovery?
No. We provide verified, actionable opportunities, but all legal execution is performed by licensed counsel.
